If two people walk into a facility for an MRI, one with health insurance, one without, will they be charged the same? Assume both are paying out of pocket because insured person has a high deductible. Does insured person still get a better rate? Or does it vary? Hoping someone with knowledge of medical pricing/billing can answer this.
posted by swheatie
on Dec 9, 2016 -
7 answers

I don't have my own car, so no insurance there (I have health insurance, period, no other kind). I also don't have a credit card, and am going with Enterprise as they are willing to work with that without running credit. In order to be protected as I drive a 14h round-trip, what insurance should I tack on? It's been a long time since I bought any (and I haven't rented a car in ten years). Advise please?
posted by notquitemaryann
on Dec 9, 2016 -
6 answers

I want to get a Mirena IUD, but I am still losing pregnancy weight and I would rather finish doing that first just in case the IUD makes it harder. Will IUD insertion remain free on my already-purchased insurance plan for 2017? [more inside]
posted by insoluble uncertainty
on Nov 16, 2016 -
9 answers

Looking to buy 8 days of travel insurance for a trip from Canada to the US. Difficulty: Pre-existing condition with an unclear diagnosis. However, I'm willing to pay extra for coverage. Thoughts on a provider? [more inside]
posted by evadery
on Nov 2, 2016 -
3 answers

Disability insurance for freelancers: Worth it? Who does it well? The last question on this topic was from 2009, so I'm hoping for some more current info as well as (hopefully) recommendations! [more inside]
posted by We put our faith in Blast Hardcheese
on Oct 31, 2016 -
3 answers

I'm filling out a claim for temporary disability and am stumped on the section about a third party--both of us (or neither of us) were responsible, and I thought I was okay and didn't get the person's contact info. Both "no" and "yes" seem dishonest/incomplete as an answer to if a third party was responsible, and there isn't room to explain the situation. [more inside]
posted by anonymous
on Oct 31, 2016 -
3 answers

A relative of mine is visiting the US without travel insurance, and their child has been hospitalised in New York and is receiving treatment. This relative does not have the means to pay for the hospital stay or treatment, so what will the consequences be? [more inside]
posted by anonymous
on Oct 29, 2016 -
14 answers

Legal Insurance: Has anyone done a legal insurance plan like MetLaw or Hyatt Legal Plans? My work is offering one and I’m not sure if they are a good value. Details inside. [more inside]
posted by edbles
on Oct 25, 2016 -
11 answers

Our increasingly elderly father has survived another health crisis, but is going to need more care than we can afford or provide. Difficulty level: he's an ex-pat on the other side of the world, but wants his kid(s) to take care of him. Wall of text and some Whiskey Tango Foxtrot-ness inside. [more inside]
posted by anonymous
on Oct 15, 2016 -
12 answers

Asking for a friend: My photographer/videographer buddy's going to Paris for a month, and would like to take along his 27" iMac to edit his work while he's there. Being as this whole business is too large for a carry-on, is there a way for him to insure his computer in checked baggage? [more inside]
posted by lauranesson
on Oct 5, 2016 -
14 answers

I bought 3rd party insurance when I pricelined my rental car. . This morning I came out of the apartment where I stayed (central St Louis) to find someone had hit the bumper. I was hurrying to get to my mother's bedside (she is dying) and did not file a police report. WHAT DO I DO NOW? [more inside]
posted by anonymous
on Sep 29, 2016 -
8 answers

I need help finding a lawyer. I have a complicated sublet situation, and I have questions about renter's insurance and personal liability. What kind of lawyer should I seek out? Do you have anybody whom you can recommend? I'm in San Francisco, CA. [more inside]
posted by anonymous
on Sep 29, 2016 -
5 answers

Received a notice in the mail yesterday that our group health plan at work will be terminated on FRIDAY. The letter was issued on 9/20/2016. As far as I know, we are still employed by our company. Shouldn't we have been given a TEENY bit more notice? I don't even know where to start with this. Hope me, wise ones!
posted by pea_shoot
on Sep 25, 2016 -
24 answers

I'm going to be staying in an Airbnb for an extended period of time. Is it possible to get renter's insurance or some other form of insurance to cover the valuables I'll have with me? The Airbnb is in the U.S. and I'm American.
posted by Cucurbit
on Sep 22, 2016 -
6 answers

Mrs. Ivan and I need new insurance on our home and autos. I'm in Oklahoma, and trying to dodge the "Actual Cash Value Endorsement" scam. I'm really looking for help in research: looking for best value/best coverage for the dollar, of course. Any recommendations as to research avenues? [more inside]
posted by ivanthenotsoterrible
on Sep 21, 2016 -
6 answers

I was recently injured in a car accident while on vacation, in a way that makes me eligible for a "dismemberment" payout in an accidental death and dismemberment insurance policy. Through a stroke of luck (if you can call it that) it turns out I'm covered by three such policies for this incident. I have AD&D insurance through my employer, I booked the flights on a credit card that offers AD&D for the duration of the trip, and I booked my rental car through a different brand of credit card that also has an AD&D clause. [more inside]
posted by anonymous
on Sep 14, 2016 -
9 answers

Within this year got two diagnoses of bipolar and depression while still on my mother's insurance. She recently lost her job. Could it be because of this?
Also how will this affect her in looking for another job and insurance? Is there any to hide this or fix it by getting these diagnoses removed?
posted by wilywabbit
on Aug 31, 2016 -
11 answers

Oh dear. I bumped another woman's car with my car at a very low speed. I thought she wasn't stopping so I drove on -- then I saw her taking down my plate number but couldn't indicate to her that she should follow me to pull over. Now what will happen? [more inside]
posted by anonymous
on Aug 31, 2016 -
6 answers

Hello. Thank you in advance for your help. I have had Kaiser insurance for many years for me and my son. I have been on auto-pay and I guess my auto pay expired and I never re signed up for auto pay so my insurance was canceled. Totally my fault, I get it. I suspect they sent me a million letters but I tend to throw mail away in a haste and probably thought it was junk or just a THIS IS NOT A BILL statement thing. But now what? [more inside]
posted by click
on Aug 29, 2016 -
11 answers

I got my next house insurance bill (due in October.) My Dwelling and Other Structures (house + detached garage) are listed at a Limit of Liability which is 5% less than the house/garage cost four years ago and at least 20% less than it would cost to replace them now (since house building hasn't gotten cheaper and my house has increased 10-15% in value according to real estate comps.)
Should I increase the Dwelling and Other Structures coverages to cover what it would really take to rebuild my house?
posted by ITravelMontana
on Aug 28, 2016 -
4 answers

I am converting from Sole-Trader to a Private Limited Company (for liability reasons). I am the Director (100% share-holder) and sole person who does "the work". Do I need an accountant or a legal advisor or both? [more inside]
posted by mary8nne
on Aug 25, 2016 -
5 answers

Hello all, I can't find this answer anywhere (without directly asking my insurance company).
My wife has multiple sclerosis, and without insurance her medication costs $6k per month. On our current plan I play $30 for a 3 month supply via the specialty pharmacy home delivery. We are losing this coverage at the end of August, but have a delivery in progress and will receive the next 6 months worth before we lose coverage.
Is there some way they can charge me for the medication already received if I lose coverage for the following months? [more inside]
posted by fumbducker
on Aug 1, 2016 -
12 answers

A truck backed into my driver's side door as I was getting out to go to the grocery store. His insurance says we're 50-50 at fault. I don't agree, but of course I don't. I have anxiety and don't trust most of my gut reactions to things. Most of the people in my life say "No. The other driver's at fault. Push back." I'm looking for outside opinions. [more inside]
posted by timesarrow
on Jul 28, 2016 -
16 answers

About a week ago, I woke up to discover that my car had been stolen overnight. Can you help me figure out my next steps for dealing with insurance in both scenarios ('recovered' or 'not recovered') and possibly buying another car? [more inside]
posted by amnesia and magnets
on Jul 25, 2016 -
8 answers

I was recently laid off. I am searching for a new permanent gig, but in the meantime I would like to try to earn some extra money by freelancing. I want to understand the implications of this and make sure that I am not overlooking anything that I need to consider. [more inside]
posted by synecdoche
on Jul 18, 2016 -
2 answers

We are about to close on a house and have been offered private (owner's) title insurance in addition to the title insurance the mortgage lender requires. Cost is a one-time $2.5k payment. [more inside]
posted by whitewall
on Jul 12, 2016 -
5 answers

Seeking good descriptions of insurance jobs that are as gripping as I know they can be -- ideally, not life or health, but more like writing policies or investigating damage/loss to property. A fact-laden account of the work performed by real people would be best, but fictional is okay too. I remember television's Banacek, and the Thomas Crown Affair, as being interesting but not much about the nitty-gritty; incidental characters as in Groundhog Day (watch out for that pothole!) not as helpful. Thanks!
posted by Clyde Mnestra
on Jul 9, 2016 -
17 answers

During recovery from complex PTSD, I am presented with the alternative to suffer in one of two different ways. Which do I choose? [more inside]
posted by The Noble Goofy Elk
on Jun 14, 2016 -
15 answers

This question contains two questions. One regarding the life of unemployment and the other is in regards to navigating the world of the uninsured. Help me adult these situations. [more inside]
posted by omgkinky
on Jun 10, 2016 -
11 answers

I left my car on the street in front of a friend's and it was backed into by one of their neighbors while I was out of town. My friend took the guy's info, but the driver wants to handle without involving insurance. What should I do? [more inside]
posted by entropicamericana
on Jun 9, 2016 -
29 answers

YANM(mother's)L -
My mother and her two brothers have joint ownership of a home in California (left to them as an inheritance). One of the three has been on Medi-Cal for many years, and another was on it for only a few years. [more inside]
posted by klausman
on Jun 8, 2016 -
2 answers

I have a high-deductible health insurance plan ($6,000) and this is the first year I will max it out due to a costly and ongoing medical issue. Bills are beginning to arrive from my GP, my specialist, and the hospital where I had bloodwork and surgery (outpatient but full anesthesia). There will be more as treatment continues. How do you figure out who to pay first? [more inside]
posted by mochapickle
on Jun 3, 2016 -
16 answers

How do I review, audit, question, and negotiate this stack of medical bills?
Employer-based insurance that is a PPO. It's decent. But the hospital's billing department, not so much...
Lots and lots of individual bills. Most valid, but some may not be. [more inside]
posted by heigh-hothederryo
on May 29, 2016 -
2 answers

I have some medical bills that my late husband apparently accrued in the last months of his life. I've been trying to figure out for what and how to get them covered by his insurance for months now and it appears that it's gone to collections. What should I do? [more inside]
posted by anonymous
on May 27, 2016 -
15 answers

Gave power of attorney for a closing we we're physically present for, got the sale receipt and found that the attorney charged a 3385.00 title insurance fee to his own name. Did we get scammed? [more inside]
posted by HonestAsian
on May 27, 2016 -
4 answers

We plan on getting pregnant in a year. I have heard about getting short term disability insurance before getting pregnant, which you can then collect after the baby is delivered. Does anyone have any experience in this? Is it worth it? Which plans worked for you?
posted by MisantropicPainforest
on May 27, 2016 -
9 answers

I was hit by another driver, who sped off and likely won't be caught (no plate). I have coverage for this but it took nearly three weeks for my insurance company to approve the estimate from the shop. The first adjuster assigned to the claim wasn't local to the area and tried to do everything by phone/email and the company wasn't particularly communicative about the process. Is this run-of-the-mill feet-dragging for insurance companies or does mine suck? [more inside]
posted by DyRE
on May 26, 2016 -
9 answers

My partner was hit by a car while biking a little over a month ago (we're in CA). It's looking like the ambulance + er visit is going to be already 1.3x the state minimum. We're already speaking a bit with a lawyer, but I have a number of questions about recovery, responsibility and how to make sure we don't end up ok. [more inside]
posted by Carillon
on May 18, 2016 -
21 answers

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